Tag Archives: Discipline

In light of the upcoming release of Pixar Film’s “Finding Dory,” I sat down this past weekend and re-watched “Finding Nemo” and began to think (because I do that sometimes) about not giving up and pushing through. The gist of the movie was a father Marlin, a clown fish, who refused to give up looking for his son Nemo, captured by a scuba diver after disobeying him by swimming beyond the reef. Marlin’s quest led him all the way to Australia and along the way, he met some interesting characters one of which was Dory. Dory claimed to have seen the boat that carried Nemo away and she and Marlin gave chase. Marlin followed Dory in one direction, then another, and another, until she couldn’t remember why he was following her to begin with. Dory suffered from short-term memory loss. Can you imagine how frustrating it must have been for Marlin to follow someone who lacked direction? Although Dory wasn’t much help in terms of direction, she was ultimately there for support and encouragement. She kept Marlin on track. When he wanted to quit, turn around and go home, those famous words of hers still resonate with many: “When life gets you down you know what you’ve gotta do?”

🎶JUST KEEP SWIMMING. JUST KEEP SWIMMING.🎶

When you feel like quitting because the obstacles before you seem insurmountable, here are a few tips to keep you on track:

FIND AN ACCOUNTABILITY PARTNER: Make sure your accountability partner is someone who encourages you, not someone who criticizes, judges or tears you down. Your accountability partner is stronger than you in the areas where you are weak. It can be a spouse/partner, a significant other, family member, co-worker, mentor or friend. When you feel like throwing in the towel, there’s nothing like a “Rah Rah Sis Boom Bah” from your accountability partner to get you back on track.

TURN TO YOUR FAITH/MEDITATE: Whether you are deeply spiritual, deeply religious, deeply spiritual and religious or none of the above, turn to your faith. Turn to something. Whether you believe in a higher power or not, staying rooted in or strengthening your faith/what you believe in can help you press on. Deep meditation can also help regain focus and reinforce goals.

EXERCISE: Remember exercising releases endorphins which can alter your mood. Exercising may not be your thing, but find an activity that elevates your heart rate. Cardio is key. A jog or a brisk stroll through your neighborhood can provide the boost you need to jumpstart your dwindling energy. You’d be amazed at how therapeutic opening the blinds, and letting a little sunshine inside your home or stepping outside to breathe in a bit of fresh air makes you feel better.

SOCIALIZE/NETWORK: Your schedule may not always allow you to get out in the mix of others, and you may be a bit of an introvert, but social media can help. I love the interaction I have with connections I’ve made on Twitter, Instagram, Facebook and my new favorite, LinkedIn. No, I’m far from an introvert. I love to read on social media about others reaching their goals/accomplishments, creating new ones or even reading just to escape for a laugh or two. Either way, virtual interaction can be a great motivator.

When I was fulfilling the education requirements for my AFC Certification, I wanted to quit… many times. Overwhelmed with a demanding class schedule, problems on the home front, trying to maintain the update of my social media outlets, and the general pressures of life had me leaning towards giving up. At one point I thought about shirking my way through the semester, barely passing my classes with just the minimum required grade. But in the back of my mind, doing so would have left me disappointed in myself because I knew I could have done better. Determination kept me going. Each time I entertained the idea of quitting, I thought of how far I had come and kept my ultimate goal in mind. Before I knew it, I was half way through the semester. I kept pressing forward. I kept pressing forward until it was time for final exams and I pulled down A’s in both classes.

So the message here is quite simple. DON’T QUIT! Is it cliché? Of course it is! And as cliché as it is, the message is still effective today as it ever was.
DON’T QUIT!!! KEEP GOING!!!

Getting married is a happy joyous time. Whether you planned a large ceremony or a small, intimate gathering, embarking upon your new life can be very exciting.

Now before you jump into your chariot and ride off into the sunset with your knight in white shining armor, I hope you and Mr. Right have already had “the talk” long before your “big day.” You know what talk I’m referring to. The talk about finances. This is one of the most important conversations you will have with your soon to be spouse…. and it is NOT to be taken lightly. It is important that each of you know where the other stands on issues regarding finances.

PUT ALL YOUR FINANCIAL CARDS ON THE TABLE: Never start out your relationship keeping secrets. Your spouse needs to know if you have $30K in credit card debt. Your soon to be spouse also needs to know you accrued $75K in student loans while you were in medical school. It’s important to disclose to the other if you like spending money shopping/traveling and if you don’t budget and/or save. No one wants to find out 30 days after saying “I Do,” they’ve inherited a walking talking credit disaster.

DECIDE WHO WILL HANDLE THE FINANCES: THIS IS NOT ABOUT CONTROLLING THE CHECKBOOK. This is about who is the better organizer or who has the time to sit down and take care of financial obligations. Believe it or not, there are some people (myself included) who still write checks. Even in the age of automatic bill pay, in some instances I am much more at ease when I am in control by writing the check. Another reason why it may be more advantageous that one spouse is favored over the other is time. Suppose your new bride has a demanding work schedule or is heavily involved in community service or the hubster works a part-time job? Decide between the two of you who would be the best fit to take on that responsibility.

BUDGET MONTHLY TOGETHER: I recall when taking Dave Ramsey’s Financial Peace University that a couple sitting down going over the monthly budget doesn’t have to be a weekend summit. It is important to establish clear financial goals (savings, investing, retirement, new car, vacation, upsizing as you plan on a family, college funds and the list goes on.) It is important that BOTH parties speak and are heard. This would be the time to voice any concerns. If the wife is going over budget because she’s spending too much on clothes, shoes and handbags, or the hubster is losing his mind at Best Buy, bring it to the table. Not in an accusatory fashion, but in a way where your concern(s) can be heard and received. Monthly budgeting should also be a time to decide how much “pocket change/play money” the other should have. Decide on a reasonable amount and stick to it. Concerning purchases over a certain dollar amount (birthdays, anniversaries and the like, not withstanding,) couples should discuss the purchase in question before it is made.

AS A COUPLE, YOU SHOULD BE AGGRESSIVELY ATTACKING ANY FINANCIAL DEBT: This would include any credit cards, student loans, car loans and the like. There is no such thing as “HIS debt” and “HER debt.” You are ONE FLESH. Therefore, it is YOUR debt as a couple. Just think of how quickly you can annihilate debt when you devise a plan to eliminate it. You’re a team. Teamwork makes the DREAM work. Once all debt is eliminated, you can focus your attention towards your next financial goal.

DECIDE HOW YOUR ACCOUNTS WILL BE DIVIDED: This is always a “slippery slope” for some couples. I remember my Uncle giving my cousin and her husband marriage advice on their wedding day. His advice, “Always have ONE MONEY… PERIOD.” I may get slaughtered for writing this, but I agree in many respects. I’m a bit old-fashioned when it comes to marriage. If I can’t trust you with “our” money, perhaps we should rethink getting married. I understand many couples marry out of convenience, many marry for companionship and others simply because they need help. Believe it or not, some couples do put their money together with the end result being a Joint Checking/Savings/MMA Account. In essence, everything is done together. What I’ve seen with couples today goes a little something like this: Joint Bank Account, Joint Savings/MMA, Her SEPARATE checking account, His SEPARATE checking account, and in other cases I’ve seen some “secret” accounts that the spouse knew nothing about. Are you really saving for a rainy day or is mistrust lurking in your subconscious? Secret accounts in my opinion indicate there is a lack of trust which can defeat the purpose of marriage to begin with, but I’ll get off my soapbox when it comes to that. Who am I to say how a couple should divvy up their finances? I will say when I was married, my Business Accounts remained my business accounts because I started my business PRIOR to being married however, there was complete transparency regarding them. If at any time my then husband wanted to look at the bank statements, I had no problem showing him. He never asked to see them however, because he trusted me.

STAY GROUNDED IN YOUR FINANCIAL BELIEFS NO MATTER WHAT: The #1 cause of divorce as you know is not infidelity, it’s finances. Arguments can arise from one spouse’s negligent overspending, the loss of income due to a layoff or even an unexpected pregnancy. Whatever hardship may arise, keep a united front. Talk it out. Communicate. Pray about it. Remember. The family that prays together, stays together. GOOD LUCK AND MUCH SUCCESS TO YOU!!!

Stressing over bills? Is your paycheck already spent before payday? Are you running out of money before the end of the month? Can’t make ends meet even if you had two magnets? Are you robbing Peter to pay Paul? Are you sick and tired of being sick and tired?

Debt can be particularly frustrating, especially if you’re drowning in it with no one to throw you a life preserver. Even if you are able to tread water, at some point you’re going to get tired. I know, because I’ve been there. Yep. Back then you could call me the “B” word… BROKE. My secret. No one knew. Broke can take on many meanings, so for all practical purposes, let’s assume “broke” means not having enough money to cover your monthly obligations.

Have you ever stopped to ponder the reason(s) WHY you’re “broke?” If this is you, stop and think about it for a minute. What can you do differently to change your current situation? While you do that, let me list a few behaviors/attitudes contributing to your “brokeness.” Yes, I am aware “brokeness” is not a word, but it should be.

You Don’t Budget: I love it when I hear people say, “Oh I’ve got it all up here” while gently tapping the side of their head. Unless you’re a mathematical genius, how could you possibly have all those numbers and figures inside your head? Yes, you may have a general idea of what comes in and what goes out, but just imagine if you were to transfer “what’s in your mind” onto paper. This way you can see clearly what’s coming in and most importantly where it’s going. After writing it down and seeing it in black and white, you’re easily able to identify “blindspots” you didn’t know existed.

Instant gratification is your “modus operandi:” We live in a society of heavy consumption. We want more more more, and WE WANT IT NOW. It’s too easy to whip out a credit card and purchase the latest iPhone, flat screen plasma television, that expensive pair of heels or those Jordans that just came out yesterday knowing you don’t or won’t have the money to pay the bill in full when the credit card bill comes due. This is where Jesus (and discipline) should take the wheel. You have to be disciplined enough to “walk away” no matter how loud those items are calling your name. I love shopping at discount retailers (Marshalls, TJMaxx, Home Goods, DSW etc.) and when I decided to check myself into “financial rehab,” I literally had to alter my driving route so I wouldn’t pass the strip mall that housed these stores. Out of sight out of mind.

Keeping Up With The Jones: When I look back now over my days of “Keeping Up With The Jonses” it was quite silly because I eventually realized, the Jonses were just as broke as I was. I’m not ashamed to say I went through my phase of believing driving a Mercedes Benz, carrying Gucci and Louis Vuitton handbags, having a closet full of clothes and shoes and living in a big house complete with swimming pool when it was just me and my two dogs somehow made me feel “important.” At the time I felt having those “material things” somehow validated me. All it did was expose my weakness, and that weakness was a lack of self-esteem. Anyone who is secure within themselves doesn’t need materialistic things for validation. Let me be clear. I still have all of those things mentioned above (minus the Mercedes Benz,) but I realize those things do not define me. There’s nothing wrong with wanting nice things, it’s simply nonsensical going deep into debt in order to obtain them.

Financial Literacy Wasn’t Taught In The Home: My father was always good at saving money. He worked hard and sacrificed for his family. He taught me how to write checks and balance a checkbook when I was 11 years old, and even after I got a job at 15 and was buying my own school clothes/paying for school activities and such, he never stressed to me the importance of saving, yet he was a HUGE saver. I’m still puzzled by that. I’d like to think he was proud because I was being responsible. Not every one my age had a job. I didn’t need a job, I just wanted financial independence. Asking for $10 to hang out at the mall with friends turned into a two hour lecture about how money didn’t grow on trees, but I digress. I also remember my Dad telling me, “If you can’t pay cash, you can’t afford it.” To some extent, I do agree with him now that I’m older and wiser. He also advised me not to get caught up in credit cards when I went off to college, however, he didn’t explain to me why. I wished he had. It would have saved me a ton of angst and grief. If financial literacy isn’t taught at an early age, it’s easy to fall into the “debt trap.”

You Refuse To Take Responsibility For The Actions Stated Above: This is the most important of all the habits/attitudes/behaviors listed above. If you don’t acknowledge that your spending is out of control, that you don’t budget, that you mismanage your money, or that you seek validation by obtaining material possessions, you will forever remain in a state of “broke.”

Perhaps one or two of these habits apply. Perhaps all of them apply. Either way, you are in control of your financial destiny. It’s never too late to make changes. It took me until age 39 (when I married) to understand how important it was to build a financial future. Living the single life for so long allowed me the freedom (or so I thought) to be reckless with my spending because I only had myself to hold accountable. However I changed my financial mindset, even after divorcing. I adjusted my spending habits. I budgeted my money and I am now able to truly enjoy what I’ve accumulated over the years. So you see, I no longer need that Mercedes Benz for validation. I look better driving this “PAID FOR” Honda Coupe anyway.

NOTE: This should have been posted as yesterday’s “Motivation Monday,” but because of my persistent procrastination, I’m posting it today. Read on to find out what the triggered my “call to action.”

It has taken me 15 minutes to get started writing this post. Let me tell you what I’ve done during that time.

Sent a Tweet.

Responded To a Tweet

Sent a couple of Text Messages

Put a clear coat of polish on my nails

Searched Google images

(You get the picture.)

I did everything I could do to avoid this posting. Procrastinating is something I have always done and had yet to master, to my detriment of course. I always work well under pressure, but is it necessary to put undue stress on myself as a result? Of course the answer is a resounding “No!”

Why do some people procrastinate? I can’t speak for others, but I can tell you why I do. I suffer from Type “A” personality. No, I’m not an A-hole, but when I complete tasks, I want them to be perfect. Flawless. Almost effortless. I’m one of those people who gets agitated because of a misspelled a word I catch AFTER posting on my website, posting a tweet, or sending a text message for that matter. In a perfect world, I wouldn’t make these kinds of simple mistakes. In MY world? Forget about it. The result, is wasted time, stress and anxiety. I’m used to it, so I should have adapted by now and should also be able to deal with it right? Yes and No.

Case in point….

As you know (if you don’t, I’m telling you now,) I’m taking classes to become an AFC (Accredited Financial Counselor.) Keep in mind. I received my last degree, an MBA, in 2002. That was 14 years ago this month. Distance/Online courses are NOTHING, I repeat, NOTHING like they were over a decade ago. Back then email is what kept everyone connected. No FaceTime, Skype, Lynk, Google Plus or any other methods for face to face communication. Matter of fact, there were no smartphones back then either. Technology has come a mighty long way, but I digress. A couple of days after being registered for my classes, it was important to sign up with a school id and password. I’ll do it tomorrow became the next day and after about 4days (and an email from the Program Coordinator,) I set it up. Now that that “chore” is completed, it’s on to the syllabus for both classes right? Wrong. I’ve got time. I can look at it tomorrow. Oh wait, the weekend is here, I’ll get everything done Sunday. This is the self talk of a “Professed Procrastinator.” HUGE MISTAKE on my part.

Allowing an entire week to pass cost me TWO CONSECUTIVE NIGHTS OF STAYING UP PAST 3am. After reading through the syllabi, I discovered assignments/exams are due by 1pm in the afternoon, NOT the normal midnight that I was accustomed to. OH NO… What have I done? I’ll tell you. I screwed up by procrastinating. Here’s a glimpse of my initial reaction….

Once I saw the work required, I immediately got my ass in gear. One of the professors gave us a “crap ton” of assignments to complete. The practice assignments were even brutal. Word of advice… Never underestimate a professor who is teaching a class and also working on a Doctoral Degree at the same time.

From that moment on, I was OVER IT!!! Over procrastination. Over waiting until the last minute to complete my assignments, blog postings, anything that required time constraints be placed on them. My “struggle glasses” were past over it refusing to stay on my face, somehow punishing me for the sin of procrastination.

At the end of the day, I am pleased to say, I completed ALL the assignments including the extra credit for BOTH classes. It only cost me two nights of decent sleep. Having a Type “A” personality can come in handy especially when it motivates us to excel. And when it comes to exceling, it doesn’t take much for the “Type “A”

So how does procrastination tie in to personal finance? IT DOESN’T. Just felt like sharing. Well, I could tie in a lesson to it, but not on this posting. It’s random. What I will say is procrastination and poor planning IS NOT a habit successful people employ. Successful people create “To Do” Lists and STAY ON TASK. I too create “To Do” Lists. The problem is, the lists would be much shorter if I wasn’t constantly moving tasks I procrastinated doing from the previous day/days to the current day. You get what I’m saying.

Never again will I do this. I have created a schedule where I block off time during the week to complete important tasks whether it’s my class assignments, reading, writing blogs etc. It’s somewhat robotic, but for me it’s a necessity to keep me on task. This schedule allows me to balance school, community service, maintaining my website/social media, my social life, and just life in general. I can now remain consistent, stay on task, and most importantly, keep my weekends. I’ll work hard during the week… The weekend however belongs to me.

Have you found yourself in this situation? I hope this posting helped you understand procrastination and what you can do to avoid it. Does procrastination leave you feeling powerless, stressed and anxious? If so, how did you overcome it? Leave your feedback below. I’d love to hear from you.

January 1st. The start of a new year. A new beginning. 2015 is in the past. Blah blah blah. You’ve heard it. I certainly have, and now that we’ve had our New Year 2016 pep talk, IT’S TIME TO GET TO WORK!

THOU SHALT NOT WASTETH TIMETH!!!

In the “Financial Fitness Boot Camp” postings on my website as well as in our Periscope chats, I’ve stressed the importance of financial independence and freedom. It is my prayer that those that are “in this to win this” will fully commit to their financial journey and not just “come along for the ride.” Achieving and maintaining financial independence is an ongoing process. You’ll hear the “F” word… A LOT. FINANCES is the purpose of this entire blog. I’ve actually dropped FIVE “F” bombs already. You’ll hear the “D” word just as much. DISCIPLINE is not to be taken with a grain of salt…Not with what we (yes WE), are about to do. To obtain and maintain financial independence (there’s the “F” word again) and peace, discipline has to be a part of the equation. When I speak of discipline, I’m not just speaking of financial discipline, (well mostly I am), but discipline in ALL areas of your life. Discipline can be incorporated into your daily routine. Forming habits such as becoming more productive, exercising daily, becoming better organized or using your time wisely to name a few, can be attributed to employing discipline.

You’ll hear me say the “P” word too. PLANNING of course. How can you execute any project without a plan? Simple tasks require planning. Maybe not sophisticated planning, but planning to some extent is still needed nonetheless. Reaching financial independence requires a plan… A BIG PLAN! And let’s certainly not forget the “B” and “S” words. That’s right, BUDGETING and SAVING. Those are the “Queen Mothers” of words that not too many people like to hear when it comes to their finances which may be in shambles. The truth HURTS.

Now that your finances have been “verbally assaulted,” Welcome to Financial Fitness Boot Camp.

So you see, the purpose of this blog really wasn’t to give you an overview of what to expect in the weeks, months or possibly years to come. You can peruse the website for that. This blog posting served the following purpose:

FINANCE (MONEY): In relation to THIS BLOG POSTING, time is money. My money. Point blank period.

DISCIPLINE: Writing this blog posting on New Year’s Day even though there are a million other things I could be doing instead? That’s discipline. Enough said.

PLANNING: Although I didn’t know exactly what I would say or how I would say it because I like to freestyle and let the thoughts come to me as they flow oh so eloquently while I speak poetically as my fingertips tickle the keyboard…. (insert chuckle here), this was a planned post.

BUDGETING AND SAVING: I had to “budget” my time in NOT being so long-winded which I have a tendency to do and “saving” some of my “financial rhetoric” for future posts.

Oh if I could only have SEVEN MORE DAYS… I’d probably ask for seven more.

I’m back from vacationing feeling relaxed and refreshed but slowly transitioning back to “the real world.” As I reflect on the good times, the smiles and the laughter, there was something different about THIS particular vacation. It wasn’t because Mista and I were together (although that had a lot to do with it,) and it wasn’t necessarily because I got to spend time with a great group of people (although they played an integral role in making my vacation more enjoyable~Happy Birthday Teresa!) but looking at my vacation canvas from a financial perspective, this vacation was like that of no other. But what was different about this vacation? I couldn’t put my finger on it at first, then it hit me…..

THIS WAS MY FIRST DEBT-FREE VACATION!!!

In all my years of traveling, I had never traveled DEBT FREE. A weekend getaway here, a few days there was fun, but it was nothing compared to the feeling from my past trip that still lingers. I casually strolled about the ship as if I didn’t have a care in the world. I could truly appreciate taking in the sea air, closing my eyes and slowly exhaling while watching the sun set from our balcony. For the first time in my life, I felt an overwhelming sense of “calm.”

The key to having the “ULTIMATE STRESS-FREE VACATION” is to travel debt-free. Being debt-free is a feeling like no other and traveling debt-free is an even greater feeling.

How many times have you vacationed and had the time of your life only to have those feelings of euphoria doused after returning home because of the dreaded credit card statement that is sure to follow?

If you are not debt-free, you should not take a vacation.

While traveling, I was able to read Michelle Singletary’s book “The 21-Day Financial Fast” ($15.99-Barnes and Noble.) She wrote of a speaking engagement where a young lady stood and proudly stated she was able to save approximately $2500-$3000 on an impending vacation. She was asked by Ms. Singletary if she had any debt, to which the young lady replied, “Yes.” Ms. Singletary advised her she should not take the vacation she saved for and to use the money to pay down her debt. I’ve got your back on that one Michelle. She spoke absolute truth.

In the past, I could never truly relax going on “vacation” even on those weekend getaways (sometimes alone) knowing I was in debt. I have passed on TWO trips to Africa and one trip to London because my finances were not in order. I felt if I was in debt, it was in my best interest NOT to go on vacation.

Now. That doesn’t mean you shouldn’t take time off from work. We ALL need that. However, if you are in debt, it is wise to use any monies saved towards a vacation to pay down debt and delay that vacation. NO SACRIFICE NO REWARD. Look at the big picture. It all boils down to discipline and delaying gratification. I’m sure this isn’t what you want to hear, but I promise you, If you follow this principle, you’ll thank me later.

Don’t misunderstand me. Just because I’m debt free, didn’t mean I broke the bank while traveling. Budgeting for my vacation was like budgeting for any other task. I gave myself a set amount to spend and even allowed myself to splurge a little (like arranging for car/limo service to and from the airport.) After calculating the amount it would cost to use the Park and Fly airport shuttle service coupled with the fact I saved boarding fees for my dog Sherlock because my Mom kept him, I was actually saving money, so why not? I was even able to purchase a few Christmas gifts with the spending money allotted for myself, so I still came in under budget.

So the message I pray you take from this posting is simply this: THE BEST WAY TO TRAVEL IS TO DO SO DEBT-FREE.

I took a trip to H&M Store this morning. There was a location nearby that opened over the weekend. A 10 minute drive to Uptown Village sounded a whole lot better than a 25 minute drive to the nearest location at Northpark Mall. I heard the prices were reasonable and the clothing was trendy. Ehhh. I’m not really a “trendy” dresser. I opt for more “classic” pieces which I believe compliment my personality. Don’t misunderstand me. I’m not some snot who turns my nose up and frowns upon things that don’t suit me. For those that remember me from my YouTube vlogging days, YOU KNOW ME…. AND THAT AINT ME, but I digress.

I made a pit stop at Starbucks for a Venti upside down Caramel Macchiato with extra whip then headed for the ATM. I gave myself a $100 budget. That was NON-NEGOTIABLE. If my purchases totaled $105.32, something was going back on the rack. Seriously. Unfortunately, I didn’t purchase anything. Or maybe good fortune was on my side. I probably would have had buyer’s remorse before I got to the car. I tweeted earlier this morning although I saw a few attractive items in the store, nothing grabbed me. I refused to make a purchase just because I was there. I did walk around the store twice to make sure I didn’t miss anything. I saw some button down shirts that could have worked for me, but decided against them. Then I saw a couple of blouses that may have worked, but they looked a little flimsy and thin. I’m sure I would have found fault with any and everything that caught my attention. Could it be I wasn’t in the right headspace? Could it be since meeting financial goals is my focus, not to mention I already have a closet FULL of clothes, something didn’t “feel right.” Something was off. I instantly felt the guilt of wasting $100 just to say “Hey! I went to H&M and this is what I purchased.”

One thing I look for in clothing is “quality.” I’ll take quality over quantity any day of the week. To be honest, the higher-priced items were of better quality than the lower-priced items. I saw a couple of dresses in the $50 range that would have worked for me, but in all honesty, I could find the same style of dress at one of my many favorite thrift stores I patronize for half the price and the dress would most certainly have a label in it. See where I’m going with this?

I left the store empty handed and stopped at a nearby Target which carries career clothing in my style and price range. No luck there either. Again, it’s the headspace I’m in. I’m wasn’t in “shopping mode,” I was in “saving mode” and had been there since BEFORE I left home. I’ve got a good system going so why disrupt things now? Honestly, I didn’t want to spend my money on clothing. Was my mission today based on a NEED or a WANT? Well, that’s a “no brainer.” At least it is if you’ve read this far. I WANTED to buy clothing from H&M, I didn’t NEED to. I WANTED to buy clothing at Target, I didn’t NEED to. I did however purchase this sweatshirt:

I purchased it as a reminder of what to say, when I’m about to make an UNNECESSARY PURCHASE:

How befitting…. For me. $21.64 spent just to make a point.

Practice “The Art of Saying NOPE” and you won’t have to wear THIS SHIRT instead:

I’ll rather drive this paid off ’08 Honda Coupe and ’03 Yukon Denali than pay a car note on that C-Class Mercedes I used to drive back in ’04 where I could barely keep up with the scheduled maintenance let alone how I would pay for major repairs not included in the extended warranty. Catch me in 15 years when my mortgages are paid off… I’d rather impress you by mentioning I just made the LAST mortgage payments than check out my new car!!! Don’t be mad y’all… The truth hurts. It’s HURTFUL, but NECESSARY! #IAmCoachAC #ImHereToHelp

“QUOTE OF THE DAY”

"When you don't have character within, you can't have respect without." ~John Maxwell

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MEET COACH ANDREA

Congratulations on your decision to become financially free! One of the first steps to financial freedom is becoming financially literate. Read on for blog postings on budgeting, saving, understanding credit, investing, wealth building and more. Feel free to share this blog with others (remember, sharing is caring!) Thanks for stopping by.